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#2262454 - 11/12/21 08:52 PM Definition of Conduct
YHWB Offline
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FCRA Appendix E states a furnisher can report information that "Reflects the consumer's performance and other conduct with respect to the account or other relationship" . Is there anywhere examples of what "conduct" means?

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#2262458 - 11/12/21 09:25 PM Re: Definition of Conduct YHWB
rlcarey Online
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rlcarey
Joined: Jul 2001
Posts: 83,227
Galveston, TX
Not really, but I would assume it would be things like discharge due to bankruptcy, short pays, etc.
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#2262461 - 11/12/21 09:33 PM Re: Definition of Conduct YHWB
YHWB Offline
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Suspected fraud? Suspicious activity?

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#2262462 - 11/12/21 09:35 PM Re: Definition of Conduct YHWB
YHWB Offline
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For example deposit account activity reporting agencies report this type of activity. Is that granted under the definition of "conduct"?

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#2262464 - 11/12/21 09:38 PM Re: Definition of Conduct YHWB
rlcarey Online
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rlcarey
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Posts: 83,227
Galveston, TX
Possibly, I am not sure it is specifically defined, but regardless of how it is actually defined (if anywhere), whatever you are reporting to a CRA has to be accurate. So you have to test every field that you are submitting.
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